Libera AG

We are an independent Swiss company and offer you high-quality service and reliability. Since 1963, we have been providing competent advice to large and small pension funds, as well as companies, on all matters relating to occupational pensions. We also support you with our outsourcing services.

Expert Services and Pension Consulting

Over 30 dedicated specialists – including 16 SKPE pension fund experts – are committed to our clients' goals. Libera is a licensed expert for occupational pensions within the meaning of Article 52d of the BVG (German Federal Occupational Pensions Act) and offers you a full range of expert services and consulting services.

• You benefit from our comprehensive expertise in occupational pensions and our consistent continuing education.
• As a customer, you have a contact person who knows your pension fund and your needs inside out.
• You receive comprehensive and understandable advice: We can call on our own specialists for specific questions at any time.
• Excellent references: Around 200 pension funds trust us.
• Neutral advice that serves your interests: thanks to our independence from banks, life insurance companies, and auditors.
• We offer foundation boards and pension fund managers customized and practical training and continuing education.

Pension Fund Administration

We relieve our customers of the burden of pension fund administration and ensure the efficient implementation of occupational pensions. Libera employs over 30 specialists in pension fund administration – including pension fund managers, social security experts, and certified occupational pension specialists. We handle technical and administrative administration, financial and securities accounting, and business management for you.

• You receive high-quality service thanks to our exceptionally qualified staff, whose contact person is a client manager with many years of experience and in-depth expertise.
• Our innovative digital portals enable fast and secure access for employers, insured persons, and pension recipients.
• You receive our services in German, French, English, and Italian.
• Our many years of experience with payroll interfaces to various HR systems optimizes the workload of your HR department.
• Our quality and process management with an integrated control system (ICS) ensures a high standard of service (the integrated control system for client transactions is certified according to ISAE 3402).

International Accounting Standards

If you value your pension obligations according to international or national accounting standards (IFRS, US GAAP, IPSAS, or Swiss GAAP FER), then we are the right contact for you. We carry out valuations, accounting, consolidation, and global coordination for around 300 companies. This is also possible thanks to our in-house developed, modern IT tools. Our standardized processes, which are coordinated with various auditing firms, guarantee security and enable an optimal solution for your company.

Legal Advice and Representation

We advise pension funds and companies in the area of occupational pensions (BVG, FZG, ZGB, FusG, etc.) as well as in other areas of social security law, labor law, and general contract and corporate law. Our services include, among others:

• Outsourcing of benefit cases including claims management
• Preparation of legal opinions
• Representation before courts and administrative authorities
• Function as a data protection advisor (including training)

Insurance Solutions

We support you in evaluating the reinsurance of your pension fund's risks and the optimal integration into a collective foundation, as well as in the design of personal insurance policies (e.g., daily sickness benefit insurance).

• You receive modular services that optimally meet your advisory needs
• We are independent of insurance companies and banks
• We work with most well-known insurance and health insurance companies and bring experience that we use to your benefit

Investment Advisory

With Libera/A&L Asalis, we advise pension funds on asset investments.

• The development of customized ALM studies is part of our core business
• We optimize investment concepts and update investment regulations in response to legal changes – We support our clients with current investment topics
• We use a professional online platform for portfolio manager selection

Due Diligence

We advise you on all questions relating to occupational pensions related to the purchase and sale of companies. Objective, unbiased advice is key to due diligence assessments.

• Impact of the pension situation on the purchase price
• Practical assessment of the entire pension solution
• Assessment of key criteria with a Red Flag Report
• Detailed assessment of significant risks